Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$111,227Cash toward the purchase price.
Closing costs + prepaids$13,059Not just lender fees.
Before credits & paid funds$124,287The complete starting cash picture.
Estimated remaining funds due at closing
$124,287No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,227.11
Your down payment$111,227.11
Closing costs + prepaids$13,059.39
Total buyer cash needed$124,286.50
Remaining funds due$124,286.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$4,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,493.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,693.25
Prepaid interest, first (24 days)$555.78
Fees + prepaids$13,059.39
Your down payment is the seller’s equity. You take over the $298,673 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $124,286.50 is due at closing. Uses and sources reconcile at $422,959.39 each. Not a Closing Disclosure.